The Peoples Bank, Biloxi, Mississippi: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Peoples Bank, Biloxi, Mississippi of Biloxi, MS against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.52% | 1.34% | -0.82% | 13th bottom |
| ROAE | 4.05% | 13.32% | -9.27% | 11th bottom |
| Net Interest Margin | 2.86% | 3.93% | -1.07% | 7th bottom |
| Efficiency Ratio | 82.60% | 61.12% | +21.48% | 11th bottom |
| PPNR / Avg Assets | 0.57% | 1.68% | -1.11% | 10th bottom |
| Yield on Earning Assets | 4.02% | 5.67% | -1.65% | 3rd bottom |
| Cost of Funds | 1.35% | 1.88% | -0.53% | 77th top |
| Net Interest Spread | 2.32% | 3.32% | -1.00% | 9th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.34% | 0.94% | -0.60% | 54th above |
| NPA / Total Assets | 0.12% | 0.70% | -0.58% | 67th above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.12% | 1.28% | -0.16% | 40th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 331.20% | 1539.66% | -1208.46% | 62nd above |
| Texas Ratio | 0.90% | 7.34% | -6.44% | 74th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 15.22% | 12.14% | +3.08% | 87th top |
| Equity / Assets | 13.08% | 11.37% | +1.71% | 79th top |
| TCE / Tangible Assets | 13.04% | 11.09% | +1.95% | 81st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 45.43% | 80.66% | -35.23% | 94th top |
| Core Deposit Ratio | 97.95% | 86.85% | +11.10% | 96th top |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 5.00% | 5.03% | -0.03% | 38th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.27% | 6.86% | -5.59% | 27th below |
| Loan Growth (Y/Y) | 11.62% | 7.90% | +3.72% | 78th top |
| Deposit Growth (Y/Y) | -5.35% | 6.30% | -11.65% | 6th bottom |
See The Peoples Bank, Biloxi, Mississippi's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Peoples Bank, Biloxi, Mississippi, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Peoples Bank, Biloxi, Mississippi profile, how to read a UBPR, or how this data updates.